Chapter 7 Means Test Calculator
The means test starts with one question: is your household income above or below your state's median? Enter your numbers below to find out in seconds.
How this works
- The means test compares your income to the median for a household of your size in your state.
- At or below the median: the first step of the test is met on income.
- Above the median: the test continues through allowed expense deductions.
- Figures are from the U.S. Trustee Program (effective April 1, 2025).
This tool reports general information only. It is not legal advice, it does not determine eligibility, and it guarantees no outcome. bankruptcy.ai is not a law firm, is not your lawyer, and using it creates no attorney-client relationship. Every result is reviewed by a licensed attorney, who makes all determinations. Speak with a licensed bankruptcy attorney in your state before making any decision.